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Posted on 10/29/2025 5:10:48 PM PDT by Red Badger
A new analysis published by the nonpartisan Center on Budget and Policy Priorities (CBPP) found that out-of-pocket premium payments will more than double if ObamaCare’s enhanced premium tax credits expire.
According to the CBPP’s projections, annual out-of-pocket premium payments would more than double, exceeding $1,000 on average if the credits aren’t extended. Open enrollment for Affordable Care Act (ACA) Marketplace plans begins this Saturday.
“Since Congress has not acted sooner and many enrollees likely have already experienced sticker shock and decided not to enroll, it should also extend the open enrollment period (scheduled to end January 15 in most states) to give people more time to sign up,” the CBPP said.
The analysis predicted “dramatic” premium spikes in states like Tennessee, Wyoming and West Virginia, which already have high underlying marketplace premiums. The group also anticipates spikes for older individuals who already pay higher premiums, as well as for people with incomes above 400 percent of the poverty level.
As other health policy groups have warned, the CBPP reiterated that the end of the enhanced tax credits would undo the progress made in reducing uninsured rates. The health policy nonprofit KFF similarly estimated last month that annual premiums would increase by 114 percent on average if the credits expire.
Loss of coverage and increases in premiums would be concentrated among people with lower incomes, according to the analysis. An individual making $22,000 annually, or 140 percent of the federal poverty level, is no longer eligible for zero-premium silver plans.
Senate Democrats blocked a House-passed bill to reopen the government for the 13th time, refusing to budge without an extension of the tax credits. Republicans have yet to provide an alternative health plan, with Sen. Bernie Moreno (R-Ohio) saying Wednesday that it would take “three or four months” to reach consensus.
The ongoing stalemate has led to fractures in both parties: Rep. Marjorie Taylor Greene (R-Ga.) has criticized her party for its approach to the expiring credits, and some Democrats, like Sen. John Fetterman (D-Pa.), have supported GOP efforts to end the shutdown.
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That’s not a bug, that’s a feature.
It was supposed to happen this way, to break the system, so as to get Single-Payer.
My premiums doubled when Obamacare passed. So now it’s going to double double.
Things went down hill when Hillary care hit...
Go with Medishare.
“Good Evening, BRIAN GRIFFIN
Oct 22 2025
CMS MEDICARE PREMIUMS WEB
Amount: negative five hundred fifty five dollars– $555.00
Running Balance: two hundred ninety five dollars and eighty three cents$295.83”
That’s over $2,200/year, for no care whatsoever so far, two years in.
Obama(don’t)care
“double”
If Ms. Gimme is getting $1 steak dinners and the price rises to $2.10, just about all of you would still be very happy to sit in her dining chair.
let obamacare die, bring back the free market!
Premium cost as a percentage of income
Under 100%
Not eligible for subsidies since day 1
[The PPACA was never affordable for me. I went without health insurance for over 30 years as an adult.]
Changes on expiration of enhanced credit:
100% — 138% of FPL household income
0% -> 2.07% (about six days of after-tax income)[increase of ~6 days of after-tax income]
138% — 150%
0% -> 3.10%-4.14% (about 10 to 13 days of after-tax income)[increase of ~10 to ~13 days of after-tax income]
150% — 200%
2% -> 4.14%-6.52% (about 13 to 22 days of after-tax income)[increase of ~7 to ~14 days of after-tax income]
200% — 250%
4% -> 6.52%-8.33% (about 22 to 28 days of after-tax income)[increase of ~9 to ~14 days of after-tax income]
250% — 300%
6% -> 8.33%—9.83% (about 28 to 32 days of after-tax income)[increase of ~9 to ~12 days of after-tax income]
300% — 400%
8.5% -> 9.3% (about 32 to 36 days of after-tax income)[increase of ~2 days of after-tax income]
Over 400%
8.5% -> no subsidy at all
[The base percentages I believe come from the KFF. I didn’t save the link.]
Health insurance should not be free. Health care costs are the number one financial problem in America.
“That’s not a bug, that’s a feature.
It was supposed to happen this way, to break the system, so as to get Single-Payer.”
Exactly, just another Obama scam.
No insurance is free.
If it’s free to you, someone else is paying for it.
We can't have a free market until Medicare/Medicaid is killed as well.
I am so happy I continued in the Army Reserve after active duty, now retired I have Tricare which covers my wife and daughter. One of the best decisions I ever made.
Working people cannot continue to pay for that diabolical boondogal. All their money is going for health insurance. Let alone obtain a different car and eat.
I am so happy I continued in the Army Reserve after active duty, now retired I have Tricare which covers my wife and daughter. One of the best decisions I ever made.
“Republicans have yet to provide an alternative health plan”
The default would be Obamacare I.
“All their money is going for health insurance.”
The enhanced subsidy program caps it at 8.5%.
Ax the whole damn plan!
It really doesnt matter what the out of pocket is…most of them don’t pay it anyway. Which is why your local community hospital is going out of business.
“Republicans have yet to provide an alternative health plan”
One idea I have would have insurance companies determine the subsidies.
Their profits and operating expenses would come from a percentage of premiums received from insureds.
When you submit a claim, it would have to be with bank statement not more than 40 days old showing a direct deposit from an employer or your provider would be paid 10% less.
Insurers would only bear a share of the risk as with Medicare D, not 100%.
Insurers would try to maximize premium collection and minimize provider fraud.
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